428 Morgan Rd, Rutledge, TN 37861 Property Records

Grainger County property record for 428 Morgan Rd, Rutledge, TN 37861

Property Summary

Property Type	Rural Home
Details	4 ba · 3,139 sqft · built 1985
Lot Size	30 acres (1,307,236 sqft)
Owner	Individual Name on File
Last Sale	$828,000 (Jul 2025)
Tax Bill	$1,747 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`029080 00901`

Property Details

APN / Parcel Number

Primary APN	`029080 00901`
Alternative APN	`080 00901`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,139 sqft Living Area
1st Floor Area	1,619 sqft
Upper Floors Area	1,520 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1997
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,307,236 sqft (30 acres)
Terrain	Rolling

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Deck Area	300 sqft
Patio Area	468 sqft
Shed	1 Shed
Shed Area	800 sqft
Pole Barn	720 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	428 MORGAN RD
City	RUTLEDGE
State	TN
Zip	37861-4365
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 01, COUNTY AREA: G01
Legal Subdivision	JOHNNY E KERR
Jurisdiction	GRAINGER TN
Township / Civil Division	3
Census Block Group	1
Census Block	1015
Census Tract	500200

Owner

428 Morgan Rd, a rural home, is owned and occupied by an individual who bought it in July 2025.

Source: Grainger County records, as of January 28, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9821 COGDILL RD STE 2, 2, KNOXVILLE, TN 37932-3379
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST CHOICE LENDING SERVICES LLC
Apr 8, 2019	Warranty Deed, Transfer TITLE GROUP/TN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2025 · Amount on File
Deed Sale	Jul 7, 2025 · Amount on File
Prior Sale	Apr 8, 2019 · Amount on File
Deed Document Number	25002173
Deed Book / Page	INST430 / 1640
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAINGER TN
Recording Date	Jul 7, 2025
Property Address	428 MORGAN RD, RUTLEDGE, TN 37861-4365
Document Number	0000002173
Book / Page	INST430 / 1640
Instrument Date	Jul 1, 2025
Instrument	25002173
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	KNOXVILLE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,063.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	9821 COGDILL RD STE 2, 2, KNOXVILLE, TN 37932-3379

Mortgage

Document Number	0000002174
Date	Jul 7, 2025
Instrument	25002174

Lender

Name	FIRST CHOICE LENDING SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAINGER TN
Recording Date	Apr 8, 2019
Property Address	428 MORGAN RD, RUTLEDGE, TN 37861-4365
Document Number	0000004522
Book / Page	000375 / 000900
Instrument Date	Apr 5, 2019
Instrument	4522
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	TITLE GROUP/TN

Transaction

Amount	Amount on Record
Tax	$1,309.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	428 MORGAN RD RUTLEDGE TN 378614365, RUTLEDGE, TN 37861-4365

Tax Assessment & Valuation

The 2025 property tax bill for 428 Morgan Rd was $1,747 with an additional exemption.

Source: Grainger County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Grainger County
Unified School District	Grainger County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,747.00 Additional exemption filed	$74,350 (-) Land $8,400 Building $65,950
2024	$1,747.00 Additional exemption filed	$74,350 (-) Land $8,400 Building $65,950
2023	$1,747.00 (+2.28%) Additional exemption filed	$74,350 (-) Land $8,400 Building $65,950
2022	$1,708.00	$74,350 Land $8,400 Building $65,950
2021			$371,400 Land $107,600 Building $263,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 428 Morgan Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 428 Morgan Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · above 80% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LUTTRELL-BLAINE-CORRYTON U.D. serves 10,529 people · EPA ID TN0000415
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Trilight Fiber	8,000 / 8,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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